If saving for retirement is a struggle, imagine yourself if you lost a job. More and more people really take care of their own retirement security. To avoid unnecessary financial constraints, create a plan to reduce debt as you approach retirement. Design your savings and spending plans.
Retirement planning is definitely difficult, especially if the implications of your choices tend to get magnified. You'll need to determine the amount of savings needed for your desired lifestyle. A spending strategy is equally important. However, rather than following a budget, many people spend more than what comes in.
Determine your annual base or mandatory expenses on food, clothing, shelter, utilities, medical, and transportation expenses. Also consider investing in long-term health care insurance which can typically cover the cost of home care, nursing-home care, and assisted living which is not usually covered by traditional health insurance.
Safeguarding your finances while you are still employed will help you become financially stable even after retirement. Many people are anxious when their retirement years are fast approaching. Imagine being at that point in your life and feeling you haven't achieved your goals yet. It could get especially worrisome if you don't have enough savings to be able to sustain your lifestyle after you retire. So, you need to enjoy spending within your means.
Securing a retirement fund is definitely needed if you want to live comfortably. The best time to start saving for your future is now. Not next year, not next week, not tomorrow, and not even later. Start planning for retirement at this very moment. It's better to start sooner than later. The earlier you plan, the more time you have to save money, pay off debt, and invest in the future. You also give yourself some leg room in case you make a bad decision and need to recover from a mistake. If you start investing late, then you lower the possibility of accomplishing your retirement plans.
Consistency is essential in saving money for your retirement. At first, it may be difficult, but you'll find it easier to save as you get along. One of the solutions for this is to set aside savings every month, even just a small amount. Save more as you go along-but never, never go below the initial savings amount.
Planning may be easy, but it's the willingness and determination to stick to your plans that could bend at times. It's important to have a clear vision ahead. No matter how far away your retirement years may seem, it is always a good idea to learn how to manage your personal finances. Those people who know how to manage their money succeed in allotting enough money not just for their savings but also for other financial matters.
It's important to create a budget. Separate your needs from your wants and try to track your spending on a monthly basis by listing down all your expenses. Seeing where you spend your money can help you sort out your priorities and plan how you can save more from your income and spend less on non-important expenses.
Retiring from work is a major leap in one's life. Prepare for the inevitable as early as now and assure a financially stable future for yourself and your family.
In a world of bogus online job chances, it's good to understand there are a few genuine internet side hustles you can deal with to generate a healthy side salary. One particular such hustle is website testing. In the event that you've by no means tried it, after that now is a great time to find out what it is, how much you can possibly make, and who also will pay you to begin.
What precisely Is Website Testing?
Website testing is a fairly simple idea in which people who have no immediate ties to a brand dedicate time using, accessing, and examining the brand's website as a way of offering opinions on the features and appeal of the internet site. Website testing is priceless in today's market place, exactly where websites perform an integral role in both equally small and large brands' capability to reach, participate, and convert online clients. It's not enough to possess a website, the site needs to be enhanced in a way that it fosters great brand associations and eventually drives lucrative conversions.
When you take a look at the amount of time and dollars brands invest into web design and development, it turns into obvious why they take testing so significantly. Whilst every scenario is diverse, here a few average costs meant for developing a custom-made website:
Small business site: $2,000 to $8,000 Dollars
Medium-sized business web page: $10,000 to $25,000 Dollars
E-commerce internet site: $5,000 to $40,000 Dollars
Large business site: $25,000 to $40,000 Dollars
And so all those are simply the costs to get up and working. Once you throw in extra expenses incorporating domain name, SSL certificate, web page hosting, content management system, constant web design, advertising, and optimization, the regular costs can be thousands of dollars per month. Obviously, in the event that a business will invest in a site, they want to ensure it functions. They have diverse methods for identifying how well an internet site works, but nothing at all beats the raw, unfiltered nature of user testing.
How Much May You Help to make Testing Websites?
Let's be very clear about one point in advance, you are not really going to get rich testing websites at least in this capability. For the overpowering majority of persons, website testing isn't designed to be your full-time work and won't change your whole profits. It can, however, complement your cash flow and provide you a modest extra spending funds for the weekend, that following a holiday, or for a great buy without draining all your savings.
Generally speaking, virtually all website testing businesses are going to pay you $10 per internet site that you test. Sometimes you'll get $15 to $25, yet these are uncommon exceptions and are frequently merely provided to those with experience. A site testing session ordinarily lasts for 15 to 30 minutes, although there are an only a few that can be finished in right around 10 minutes.
In many cases, website testing possibilities are sent to end users via email-or inside an online platform-and you have to "claim" the test in order to earn access. Based on the quantity of users contending for options, it can certainly be harder to obtain tests with a few companies than others. If you get sent five offers to test websites every day, you'll most likely simply effectively claim one or two-and you'll have to act promptly. Having said that, an extra $10 daily can easily add up. If you test five websites each week at that rate, you can easily fairly expect to produce an extra $200 each month.
Learn How to Make Money Online right now! Take my Free Make Money Online Email Course. Also make sure you visit my Make Money Online Blog to read more similar articles of this topic.
In today's modern world, it's difficult to be a successful freelance writer without a solid online presence. Sure, you may get one or two clients via in-person networking, but the vast majority of your work, as an online freelance writer, will come from the web, on places like your website, your social media platforms and even via Google search results.
So if you're just starting your freelancing journey, consider building your online presence as step #1. It will be the foundation for everything you do as a writer, and it will help you build the lucrative and successful career that you've been dreaming of. Don't know where to start?
Here are the four must-have essentials:
1. A Portfolio Site - Your portfolio site is the most important piece of the puzzle. It's where potential clients can go to learn about you and your skills and read samples of your writing. It's also what will show up in Google search results if you practice search engine optimization techniques.
2. A LinkedIn Page - LinkedIn is a great place to find new clients and new projects. Upload samples of your work, get recommendations from colleagues and past employers, and create a profile to show off to potential clients.
3. A Twitter Account - With Twitter, you can establish yourself as a true expert in your niche and as a writer. Use this platform to share news and industry insights, and promote your work (and your client's!) whenever possible. Optimize your profile with the right terms and hashtags, and you may even snag a few new projects.
4. Your Own Blog - Starting a blog can help your career in numerous ways. First, it can display a great snapshot of your skills. If you don't have many samples yet, a blog also offers potential clients a way to evaluate your talents and see what you can really do. And it can help you establish yourself as an expert in a specific niche or industry as well.
Be sure to tend to your blog and profiles regularly, update them with new skills and samples as you gain them, and use them to their fullest potential.
If you need advice on how to create a client-attracting online presence that will help you get more writing gigs and build your freelance writing career, then you should check out Maggie Linders' Freelance Profit Academy.
Maggie, a six-figure freelance writer, teaches writers exactly how to build full-fledged, successful freelance writing businesses while offering personal coaching and support as well as daily scam-free job opportunities.
The Fastest Way to Earn Your First $1,000 as a Freelance Writer - You know what feels great? Earning your first big chunk of cash as a professional freelance writer. It makes you feel like you made the right choice - like quitting your 9-to-5, branching out on your own and blazing your own path was the best thing you've ever done. But if you're just starting out, it can feel like that day is a long way away. If you're starting off with content mills and bidding sites, you may very well be working for pennies - and that can take a while to add up.
Fortunately, those aren't your only options. You can earn $1,000 as a freelance writer fast - long before your mortgage is due and the tax man comes calling.
Here's how to do it:
Find A Few Clients In Need - Scour your LinkedIn network and check out the websites of local businesses and companies. Is there any group with a less-than-stellar website? You could probably beef up their web content and make a big difference. Are any of your connections starting a new job? Find out if their company could use content help. Is someone in the market for employment? Offer to write copy for their personal portfolio site.
Request A "Per-Project" Rate - If you want to reach $1,000 fast, forget billing hourly. Instead, propose a flat, per-project rate for your clients. Factor in how much time the project will take you, as well as your experience and skills, and come up with a fee that's fair (but profitable!)
Exceed Your Deadlines - Sure, that new client might give you a month to complete their new website content, but do you really need that long? More importantly, do you want to wait that long for your payment? The quicker you get to work, the quicker you get paid!
Get Deposits And Ask For "Milestone" Payments - If you're working on a particularly large project, a great way to get your cash early is to ask for a deposit or collect milestone payments. With a deposit, you'll ask for a certain percentage of your total fee upfront. This is to reserve your time and protect you from getting stiffed. With milestone payments, you can have the client pay you for each chunk of content you turn in - maybe per webpage your write, per blog post or per eBook chapter.
Make Payment Easy - Finally, don't make payment a hassle for your clients. Get a PayPal and Venmo account, and ditch the old mailed, paper checks you're used to. Bill clients via email, and let them pay you instantly and seamlessly online. It's better for both you and them. Earning your first $1,000 can seem like an uphill battle but it doesn't have to be that way. If you want a proven, step-by-step system to earning your first $1,000 and more in a short period of time, check out Maggie Linder's Freelance Profit Academy. This program has become very popular among freelance writers and has produced hundreds of success stories. The Top 4 Places to Find Freelance Writing Jobs
You can find freelance writing jobs virtually anywhere - through old employers and colleagues, on Craigslist and bidding sites, and even on social media. Freelance writing opportunities are all around us. But as nice as it is to wade through the numerous opportunities, it can also make the process of landing new freelance gigs pretty time-consuming. Do you really have hours to scour the web, checking in on every possible job site, social platform and blog? Definitely not - at least not if you want to be profitable! Thankfully, you don't have to. Below are a few of the best possible spots for finding gigs - gigs that can be lucrative and interesting and get you on the fast track to earnings.
1 - Morning Coffee Newsletter
This handy newsletter found at Freelancewritingjobs sends daily job alerts straight to your inbox. It features 10 to 20 handpicked freelance writing jobs from across the Internet, each with a different client, pay and focus. Some come from Craigslist (which means you don't have to scour the dozens and dozens of city-based Craigslist ads for gigs!) and some come from other job sites across the web. The main point? The work is already done for you. Just sit back, check your email, and apply for anything that sounds like a good fit.
2 - Blogging Pro
The Blogging Pro job board is a great place to find high-paying, legitimate freelance writing gigs for one big reason: Clients have to pay to post a job on it. Sure, it's only $30, but when there are alternative sites that are absolutely FREE for posting, you know a client means business if they're willing to shell out cash for their post! You'll find everything from niche, industry-specific gigs to full-time remote opportunities for single clients. It's a must-see stop on your weekly job hunt.
3 - LinkedIn
LinkedIn can provide freelance writing job opportunities in two ways: 1 - Job postings on the site 2 - Easy and seamless networking. Though networking takes a little more work, you can often spot opportunities for gigs just by checking your feed daily. Did someone change jobs or get promoted? Reach out and see if they could use your services. Is someone launching a new website? Ask if they could use help with web content. You never know when a job is right around the corner.
4 - Freelance Profit Academy
Job scams are plenteous on the web, and unsuspecting freelance writers can get caught in their devious web easily. Thankfully, the Freelance Profit Academy houses a daily, scam-free job board that weeds out scams and supplies you with the highest-quality jobs sourced from around the web. Review each and every job to provide you with only the best ones.
Success Means Going From Failure To Failure Without The Loss Of Enthusiasm - http://easyinternetmoneyandjobs.com
Influencer marketing is a form of marketing in which the focus is on influencers rather than on the target market as a whole. The concept is simply to identify the people who impact potential buyers and direct marketing activities around these influences.
Influencer content may be framed as some form of advertising evidence in which they themselves play the role of potential buyers or may be third parties. These third parties exist in a supply chain (traders, manufacturers, etc.) or can be called value-added influencers.
The world has slipped into social networks. Many consumers watch their co-consumers about their purchasing decisions. It's not like before, consumers trust each other, and one of those consumers is these personalities on YouTube, Instagram, Facebook and other social media platforms that enjoy a lot of followership. This concept of social networking has exceptionally revitalized online industry; this surprisingly effective marketing technique is helping different international brands achieve their marketing goals.
It is an open secret that a celebrity that can run your brand regularly and help promote it is a brilliant idea, more companies are beginning to exercise the authority of social networks which is more efficient than the conventional advertising. For this reason, Influencer Marketing could be the next big success in advertising. Here's why:
THE CONCEPT OF INFLUENCER MARKETING IS A VERY POWERFUL ONE
There are many methods that can help increase sales in your business. But for now, nothing can contest the record that Influencer Marketing has played in recent years. Research has shown that consumer-to-consumer marketing leads the consumer to generate more sales than paid advertising can do. This only shows that influential marketing can provide an exceptional opportunity for brands to capture the power of word of mouth thanks to the influential people who follow and admire.
IT'S GROWING FAST WITH THE HELP OF SOCIAL MEDIA
Since the world has embraced the social media, this may be the right time for your business. Social media is more than just a replacement for conventional media. Previously, consumers Would buy an item based on what they see or hear. Today, social media is the main thing; consumers can easily connect with other consumers and can make a better buying decision by discussing their product or service experience. The use of social networks is growing rapidly across age groups and gender. Influencers communicate with consumers using these platforms and gives influencer marketing a key addition to any successful marketing strategy.
FAR BETTER THAN PAID ADS
There are over 200 million people worldwide who are using ad-blocking apps already, what happens to the money you have spent on those pop-up advertisements if the most of the internet users don't even view them. It's time for the internet marketers to up their game and change to something internet users have less issue with. Consumer trusts influencers and their recommendations; more of your marketing and business strategy should go into working with influencers HELPS YOU WITH THE OVERALL PERFORMANCE
Influencer marketing has the ability to change the overall outlook of your business for the better along with email marketing; it is actually very cost-effective. The fact that your competitors are already investing in it, is an indicator that it's the next big and shouldn't be overlooked, as influencers can truly affect consumers' choice on buying a product.
Overall, the digital world is completely different. A lot of marketers are already using Influencer Marketing, because of its effectiveness and high return on investment. Social media likes and shares can be gathered turned into valuable insights to your advertising sojourn. There is no better time for you to start reaping the benefits of influencer marketing than now.
Put yourself in a position where you have... Time AND Money.
Become the best version of You. Invest money in yourself.
Put your money into things that make money.
Have the attitude that... Money is abundant and money is all around you.
You can survive weeks without food, days without water but only minutes without oxygen. As soon as you take away oxygen...
It becomes the most important thing in life!
It's something we seldom consciously think about, unless you take it away.
You don't think about breathing unless you can't breath... (And usually that only happens once).
However, when you don't have any money, it dominates your daily life... All Day Long - Everyday!
It's all you think about. Fortunately, when you get to the place in life where you have an abundance of money, a productive life changes and becomes about helping others.
And when you focus on helping others... You will be rewarded by "The Universe" and have even more abundance.
We can't prove it. Some call it spiritual, others call it karma, luck, favor... Science can't prove it. No machine can measure it. It just works!
Some call it "Faith."
You can then go out and bless others. Become an abundance warrior.
Set a personal goal. Surpass it. Learn how to empower others.
Build a social media influence and scale your business.
Get a digital product such as an automated webinar funnel.
And then put the webinar on replay.
People will purchase from the automated webinar.
Then, by promoting affiliate offers, the selling is done "auto-magically".
You just collect, keep, and cash the commission checks.
What a wonderful life!
Build... Grow... Scale... and Multiply
Always sounds so easy. But is it really?
The truth is NO, it is not.
It's hard and like anything worth having in life... It takes work!
That's the dirty little secret they don't tell you in the ads.
But the reality is... The Harder You Work, The Luckier You Become.
I saw Donald Trump at the Jacob Javits Center in New York City about a decade ago. It was a FREE speech, no charge to get in, no security checks, no bomb sniffing dogs. Open to the general public.
Anybody could come, no metal detectors.
It was a different world back then... Safer!
(I heard 'The Donald' got paid a million bucks for the speech).
I remember Trump was talking about Paul McCartney. Trump said... 'that poor bastard Paul McCartney' didn't have a pre-nup.
That divorce cost Paul a ton of money, No pre-nup!
After an interesting, unscripted and entertaining speech, at the end of the evening, 'The Donald' concluded his talk by saying something I'll never forget.
Donald Trump said... "Never, never, never, never, Never Give Up!"
Here it is now a decade later, and that still sticks in my mind.
Carl Willoughby is an internet entrepreneur that has been online more than 20 years and can help you start a successful online internet business. Visit his blog at: http://www.Make-Money-Online-Finally.com
